Health insurance plans available in India

Highlights

There are specialised health plans for specific needs, like critical illness

You can also get insurance for maternity care

With increasing cost of healthcare services buying health insurance has become an integral part of financial planning. Considering the evolving needs of the policyholder, health insurance providers are providing newer plans targeting specific necessities.

Health insurance plans vary from insurer to insurer. The various types of health insurance plans available in India are as follows -

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Individual health insurance:

Individual health insurance: As the name suggests this health insurance policy provides an individual, coverage against expenses incurred due to hospitalization, doctor’s consultation, ambulance service, treatment charge or pre- and post-hospitalisation. The insured member is entitled to the entire sum assured. In addition to this, some NBFCs, like Bajaj Finserv, offer special discounts for individuals of the same family opting for an individual plan.

Family Floater Health policy:

In the Family Floater policy, all family members come under a single cover. The sum assured can be availed entirely by one member or by multiple members for multiple claims. You have to pay only a single premium to cover yourself, your spouse and child. You can even add new members to your existing family floater policy.

Maternity Insurance:

Medical insurance providers cover costs arising from normal as well as caesarean delivery, pre-natal and post-natal expenses, post-delivery care, and vaccinations expenses under maternity insurance. Most insurers cover the new-born baby till the policy validity. This includes ambulance charges too.

Group/Employee health insurance:

Members of society or employees of a company can avail group or employee health insurance. You can provide medical insurance cover for all your employees as well as their dependents by paying a single premium amount. Avail higher discounts on group health insurance with Bajaj Finserv.

Top-up health insurance:

A policy rider, enabling you to increase the coverage amount. Top-ups provide a wider health protection in times of medical emergency. You can opt for continuing your existing policy along with this rider.

Critical illness insurance:

Critical illness policy is available as a standalone as well as a rider to a pre-existing policy. Critical illness covers heart attack, organ transplant, stroke, cancer, and other life-threatening diseases.

Personal accident cover:

This is another variant of health insurance available as a standalone policy as well as a rider. Personal accident cover can be availed against expenses arising out of bodily injury, disability or death caused due to accidents.